Low rate car finance for new and used cars

Buy your dream car your way – with low rates and options that suit you

Savvy drives car loans further

We have helped hundreds of Australians save thousands of dollars on their car loan. We’re linked to over 25 of Australia’s top lenders fighting for your business. This means you save more because we compare more.

Our expert car loan consultants are with you every step of the way. We give each and every customer personalised service so you can rest knowing you’ve secured a great car loan deal suiting your budget and needs.

Think car loans, think Savvy

Get more car loan options. Whether you’re buying used, certified used, or from a private seller or dealer, we can help secure the best rates and most flexible terms. If you’re in business, we speak your language. We help businesses secure commercial chattel mortgages and hire purchases that keeps cash flowing.

Do you have bad credit? We fight hard for bad credit customers to get the fairest treatments on car finance. Our consultants can help you, no matter your circumstances.

Calculate and save by comparing car loans

Savvy uses the latest in technology to compare car loans – use our car loan calculator to figure out just how much you could save with one of our top-rated car loans.

LenderProduct NameAdvertised RateComparison RateMonthly Repayment
SavvySecure Car Loan4.99%
variable
5.65%$566.00
IMBNew Car Loan5.99%
fixed
6.34%$579.84
RACVNew Car Loans6.49%
fixed
7.03%$586.84
NRMANew Car Loan6.49%
fixed
7.03%$586.84
ANZOnline Secured Car Loan7.85%
fixed
8.70%$606.14
CUAFixed Rate Car Loan7.99%
fixed
8.29%$608.15
BankSASecured Fixed Personal Loan8.49%
fixed
9.39%$615.35
St GeorgeSecured Fixed Personal Loan8.49%
fixed
9.39%$615.35
CBASecured Car Loan8.49%
fixed
9.54%$615.35

*Interest Rate from 4.99%, comparison rate of 5.65% pa based on a 5 year secured consumer fixed rate loan of $40,000. *WARNING: The comparison rate, monthly repayment and total cost applies only to the example given and may not include all fees and charges. Costs such as broker fees, redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Different terms, fees or other loan amounts may result in a different comparison rate. Establishment fees and monthly fees apply only to consumer loans. Commercial use loans may attract different fees.

Get the right car loan with Savvy

See how Savvy will help you secure a great deal on your car finance through its panel of lenders

Your car loan, your way
Savvy helps you secure a great low rate car loan that’s flexible and affordable.
The choice is yours
Buying private? Going used? Talking to a dealer? Savvy finds you the best deal no matter how you buy.
Comparing more, saving more
Savvy’s finance experts scour loans from over 25 of Australia’s leading lenders, so you save more.
We know car loans
Savvy’s team are hand-picked experts in car finance. Trust our knowledge and get unparalleled advice.
100% finance available
Need 100% finance? Savvy’s got you covered. We can also finance your insurance so you have peace of mind.
Bad credit? Don’t worry
Savvy helps people with bad credit gain car finance approval. 9 out of 10 applicants are guaranteed success.

Our range of car loan options to suit your all needs

We not only compare car loans but offer savings on finance for leasing, business, and bad credit customers

Savvy is one of Australia’s trusted and fastest growing car loan brokers. We’ve helped hundreds of people get the lowest car loan rates so they save even more: no obligation to apply.

The most popular car loan for people in business. Save on tax, preserve cash flow and experience the freedom to do more. We give you expert advice so you can get into a car quicker.

Let Savvy find your perfect hire purchase. We connect you with banks and lenders specialising in hire purchases so you can structure liabilities your way. Flexible terms and rates available.

Always have the latest wheels with car leasing. Come to us and we’ll put together a leasing package that suits your budget and preferences. Choose from Australia’s best leasing deals

Also known as salary sacrificing, Savvy can help you and your employer put together a novated lease package with ease. Save on tax and gain all the benefits of a company car.

We pride ourselves on delivering results, getting you approved and at the same time helping you fix up your credit rating.

How to get approved for a car loan and save more money?

Follow these tips to get approved with better rates

Buy new or near new car to avail better rates

Buying a new car increases your chances of gaining approval and more favourable interest rates. That’s because lenders like taking on lower risks – and as a reward, you gain better interest rates. Buying older vehicles makes it more difficult for lenders to approve your loan.

Find out how much can you afford

Before you approach lenders, you need to know how much you can afford on a car each month. That’s including repayments, fuel, maintenance, and insurance costs. Know your numbers by using a free online car loan calculator so you can feel confident with your application.

Pay deposit towards your car loan

Lenders are more inclined to approve you if you have “skin in the game,” that is, if you have a substantial deposit (20% or more.) Paying a little off up front not only lowers your risk, but also means lower repayments over the lifetime of the loan.

Have documents in order

In finance, there’s no such thing as too much documentation. Gather together payslips, residential histories, employment references, credit scores, and other documentation such as profit and loss statements or tax returns (if you’re self-employed) to maximise your chance of success.

Seek help

If it all seems a bit too confusing, don’t fret. Our team of helpful consultants are here to guide you through the process. Together, we can figure out your best options and find the best deal that suits your needs. We answer all your questions and make finding a great deal easy.